The Affordable Care Act: How It Helps People With Cancer and Their Families
|
|
- Christopher Noah Powell
- 8 years ago
- Views:
Transcription
1 The Affordable Care Act: How It Helps People With Cancer and Their Families
2
3 The Affordable Care Act can save lives from cancer. Learn how the new law could help you and the people you love. We have some of the best health care in the world, but for many years that care has gone to fewer and fewer people who can afford it. Cancer patients and survivors are denied coverage because of preexisting conditions. They have to pay more than they can afford for the care they need. And they pay for health insurance that does not cover lifesaving cancer screenings, treatments, or follow-up care. Many people with cancer live in fear of losing their health coverage if they lose their job. They worry about having their coverage canceled because they got sick, or they face limits on the amount of care their health plan will cover. Many other people who are happy with their coverage would face these same problems if they were diagnosed with cancer. The Affordable Care Act is improving the quality and cost of health care in the United States for people with cancer and those at risk for cancer. The law is not perfect, but it will make health care more adequate, affordable, and available. And it will be easier to administer for cancer patients, survivors, and their families.
4 Providing quality care The new law allows more cancer patients and survivors to get the health care they need by: Doing away with co-pays for proven preventive services in new plans and for those in Medicare Requiring all health plans sold in new health benefit exchanges to cover essential benefits, such as coverage for cancer screening, treatment, and follow-up care Making sure all people in Medicare get a yearly check-up to discuss disease prevention and other services they need to stay healthy Focusing on treating pain and helping to improve a patient s quality of life Closing the Medicare doughnut hole so seniors don t face a costly gap in prescription drug coverage Making coverage available for patients who take part in clinical trials 2
5 Patient profile: Kathi Hansen Kathi Hansen of Wrightstown, Wisconsin, was diagnosed with stage IIB breast cancer in 2003 at age 48. It was found during a routine mammogram that was covered by the health insurance she had through her job. After her diagnosis, Kathi had eight rounds of chemo, a double mastectomy, and ongoing hormonal therapy. She has been cancer-free since. She credits early detection with finding her breast cancer. F The Affordable Care Act guarantees coverage of preventive care, such as mammograms and colonoscopies, and eliminates the costs to patients for these proven services in all new health plans. It also eliminates co-pays and deductibles for preventive services under Medicare. 3
6 Making health care more affordable The new law makes health care more affordable by: Ending limits on care and benefits. Insurance companies can no longer impose lifetime limits on benefits. Yearly limits are restricted and will end in Ending higher charges for people who are sick. Health plans cannot charge people more for coverage based on their health status (starting in 2014). Limiting the amount patients must pay in out-ofpocket costs and deductibles (starting in 2014) Helping people and families with low to moderate incomes buy health insurance (starting in 2014) Offering tax credits to small businesses that provide affordable coverage to their employees 4
7 Patient profile: Taylor Wilhite Taylor Wilhite of Marblehead, Ohio, was diagnosed with acute myeloid leukemia in 2007 at the age of 8. She received three rounds of chemotherapy, had a bone marrow transplant, and at one point was taking 23 pills a day along with many IV medicines. Now age 12, Taylor is in remission. But the costs of her treatment quickly reached her insurance plan s lifetime benefits cap, leaving her family struggling to pay for the care she needed for the side effects of her treatment. F The Affordable Care Act does not allow health plans to place lifetime caps on coverage. The law restricts and soon will ban yearly limits. This will give people like Taylor and her family peace of mind that coverage will not suddenly end because of caps on benefits. 5
8 Making health care more easily available The new law makes health care more easily available by: Covering children. Insurance companies can no longer deny coverage for pre-existing conditions such as diabetes or cancer in children and, starting in 2014, in adults. Ending rescissions. Insurance plans can no longer rescind, or stop, coverage because a patient gets sick. Creating health benefit exchanges in every state. These exchanges will let people shop for insurance and compare health plans by quality and price. Creating a health plan in every state to cover people with pre-existing conditions. These plans apply to people with cancer or another pre-existing condition who have not had insurance for 6 months or more. Guaranteeing coverage. No one will be denied coverage because of his or her medical history, a guarantee that is backed by the requirement that all Americans buy insurance. 6
9 Patient profile: Dan Brodrick When Dan Brodrick of Gainesboro, Tennessee, lost his job, he and his wife, Sharon, lost their health insurance. Sharon applied for coverage but was denied repeatedly because of a pre-existing condition. Then she was diagnosed with stage IV cancer of the small intestine. The Brodricks spent their life savings on what treatment they could afford, but Sharon didn t get all the care she needed and she died of the disease. Cancer took Dan s wife and left him with more than $80,000 in medical bills, a debt that Dan will be paying for the rest of his life. F The Affordable Care Act prohibits insurance companies from denying coverage to people with pre-existing conditions. People like Dan won t lose loved ones because they couldn t get the care they needed. 7
10 Making health care more simple The new law makes health care easier to administer and easier to understand by: Making more information available. Insurance companies will be required to share more information about their plans. Grouping health plans based on level of coverage. Plans offered in the health benefit exchanges will be grouped based on their level of coverage platinum, gold, silver, and bronze. Setting standard rules. These rules will simplify the way consumers verify eligibility, check claims status, and make payments. Giving patients new rights to appeal denied claims with their insurer 8
11 Myth and reality Myth: The new law is government-run health care that takes away patient choice. Reality: The law builds on the existing system by requiring private health plans to make more information available to consumers, and strengthens it by fostering competition among insurance companies. This will help consumers make informed choices about the plan that is best for them. Myth: The new law lowers the quality of care. Reality: The law will make sure that all plans sold in the health benefit exchanges cover needed benefits and that consumers can compare plans by quality and price. Myth: The new law increases costs to consumers. Reality: The law will reduce consumer costs by: Doing away with out-of-pocket costs for preventive services Getting rid of yearly and lifetime coverage limits Encouraging more competition among plans Offering help to low- and middle-income people 9
12 For your information... Like most laws, the Affordable Care Act is complicated and can be hard to understand. Here s more information that may help you. If you have questions, call your health plan, contact your state insurance commissioner, or call us at You can also visit the US Department of Health and Human Services Web site at and Health Care and You, a consumer-friendly Web site created by leading health care groups, at New plan years Some of the new law s changes take effect when a new plan year begins. The earliest date that certain changes went into effect was September 23, Some people may have to wait weeks or months before their plan year begins to benefit from the changes. For people who get their insurance through work, the new plan year can begin when the policy renews (usually a few weeks after the open enrollment period ends) or when an employer buys a new plan. For those with their own plan, the start of the plan year varies by plan. Contact your plan administrator for details. 10
13 Grandfathered vs. new plans The new law gives special treatment to health plans that existed when the law was signed on March 23, 2010 (socalled grandfathered plans). Plans can retain their grandfathered status if they do not make major changes that would reduce benefits to patients. In exchange for maintaining or improving patient benefits, grandfathered plans do not need to offer all of the patient protections included in the new law. It may be hard to tell if a plan is grandfathered or new, so check with your plan administrator if you have questions. If you have questions, call your health plan, contact your state insurance commissioner, or call your American Cancer Society at You can also visit the US Department of Health and Human Services Web site at and Health Care and You, a consumer-friendly Web site created by leading health care groups, at 11
14 Notes
15 Notes
16 Questions? Call your American Cancer Society 24 hours a day, 7 days a week at or visit us at The American Cancer Society s non-profit, non-partisan advocacy affiliate, the American Cancer Society Cancer Action Network (ACS CAN), is working to make certain the Affordable Care Act helps people with cancer and their families. For more information, visit , American Cancer Society, Inc. No REV. 05/11 Except for patient profiles, models are used for illustrative purposes only.
The Health Care Law: How It Can Help People With Cancer and Their Families
The Health Care Law: How It Can Help People With Cancer and Their Families The new health care law can help save lives from cancer. Learn how it could help you and the people you love. America has some
More informationObama Administration Record on Health Care
Obama Administration Record on Health Care Today, two years after we passed health care reform, more young adults have insurance, more seniors are saving money on their prescription drugs, and more Americans
More informationThe Health Care Law and You
The Health Care Law and You The health care law enacted in 2010 brings a number of benefits to all Americans, including people over 50. Some of these benefits you can get right now. Others phase in over
More informationHealth Care Reform: General Q&A for Employees
From Baugher Financial & Associates, Inc. Health Care Reform: General Q&A for Employees Common questions answered I ve heard a lot about the health care reform law. When do the reforms become effective?
More informationSIX MONTH ANNIVERSARY of the AFFORDABLE CARE ACT
SIX MONTH ANNIVERSARY of the AFFORDABLE CARE ACT SEPTEMBER 2010 ACTION GUIDE SIX MONTH ANNIVERSARY OF THE AFFORDABLE CARE ACT SEPTEMBER 2010 ACTION GUIDE After a year of striving, after a year of debate,
More informationSection 2: INDIVIDUALS WHO CURRENTLY HAVE
Section 2: INDIVIDUALS WHO CURRENTLY HAVE COVERAGE OR AN OFFER OF COVERAGE FROM THEIR EMPLOYER Section 2 covers enrollment issues for individuals who have coverage or an offer of coverage whether through
More informationHealth Care Reform Frequently Asked Questions (FAQ) Consumers Employers
This page provides answers to frequently asked questions (FAQ) regarding The Patient Protection and Affordable Care Act (PPACA; P.L. 111-148) and the Health Care and Education Reconciliation Act of 2010
More informationHow the New Health Care Law Benefits You
How the New Health Care Law Benefits You Congress enacted a new health care law which brings a number of benefits to all Americans, including people over 50. Some of these changes you will see this year.
More informationKey Features of the Affordable Care Act, By Year
Page 1 of 10 Key Features of the Affordable Care Act, By Year On March 23, 2010, President Obama signed the Affordable Care Act. The law puts in place comprehensive health insurance reforms that will roll
More informationartist Understanding Health Care Reform The Artists Health Insurance Resource Center www.ahirc.org {1}
Every artist Insured Understanding Health Care Reform The Artists Health Insurance Resource Center www.ahirc.org {1} The Artists Health Insurance Resource Center AHIRC, a program of The Actors Fund, was
More informationWomen and The New Health Care Law Trivia
Women and The New Health Care Law Trivia 1. How many women will be eligible to gain access to affordable insurance coverage options when the health care law is fully implemented in 2014? a. 6 million b.
More informationThe Instant Insurance Guide: Federal Health Care Reform
The Instant Insurance Guide: Federal Health Care Reform From Karen Weldin Stewart, CIR-ML Delaware Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov A Message From The Delaware Department
More informationHEALTH CARE REFORM FREQUENTLY ASKED QUESTIONS
HEALTH CARE REFORM FREQUENTLY ASKED QUESTIONS Consumers When will the health care reform law take effect? The health insurance reforms adopted as part of the Patient Protection and Affordable Care Act
More informationA,B,C s of Obama Care What do you need to know? How will it affect you and your family?
Elephant in the Room A,B,C s of Obama Care What do you need to know? How will it affect you and your family? Confused? What will you learn in this webinar? O What is Obamacare? O What has it done so far?
More informationDefinition: The Patient Protection and Affordable Care Act (PPACA)
Definition: The Patient Protection and Affordable Care Act (PPACA) - Also known as Obamacare or ACA - is a federal law that makes significant reforms to the United States health care system. Main Components
More informationUnderstanding the Affordable Care Act
Understanding the Affordable Care Act The Affordable Care Act (officially called the Patient Protection and Affordable Care Act) is the law that mandates that everyone in the United States maintain health
More informationTimeline: Key Feature Implementations of the Affordable Care Act
Timeline: Key Feature Implementations of the Affordable Care Act The Affordable Care Act, signed on March 23, 2010, puts in place health insurance reforms that will roll out incrementally over the next
More informationAs of January 1, 2014, most individuals must have some form of health coverage, or pay a penalty to the federal government.
Consumer Alert Health Insurance for 2014: What You Need to Know Before You Enroll (Individuals) As of January 1, 2014, most individuals must have some form of health coverage, or pay a penalty to the federal
More informationThe Health Care Law and
The Health Care Law and p Faith leaders are trusted partners in local communities. You have a unique ability to reach people, especially the most vulnerable, with the tools and information they need to
More informationThe Health Care Law and Medicare
The Health Care Law and Medicare Like many people with Medicare, you probably have questions about what the health care law means for you. By understanding what is in the law, you can get the most out
More informationillinois health insurance marketplace
illinois health insurance marketplace healthcare reform is coming. find answers here. healthcarereform.illinois.gov The Affordable Care Act. What it means for you. In March of 2010, the Affordable Care
More informationCovered California FACT SHEET. Affordable insurance is a national priority. Getting California covered
Covered California FACT SHEET Affordable insurance is a national priority In 2010, the federal government enacted the Patient Protection and Affordable Care Act, which aims to increase the number of Americans
More informationAnswers For Families And Small Business
http://healthreform.gov/about/answers.html Answers For Families And Small Business Q: What is the small business tax credit and how do I know if I am eligible? A: Effective January 1, 2010, tax credits
More informationPUBLISHER OF CONSUMER REPORTS The Affordable Care Act: The First Year DISCOVER WHAT THE NEW LAW MEANS FOR YOU AND YOUR FAMILY
PUBLISHER OF CONSUMER REPORTS The Affordable Care Act: The First Year DISCOVER WHAT THE NEW LAW MEANS FOR YOU AND YOUR FAMILY A Note About Using This Guide: What s a Grandfathered Plan? You ll see references
More informationShopping for a health care plan can be confusing. Let us help.
We re here to help Shopping for a health care plan can be confusing. Let us help. Thank you for trusting Anthem Blue Cross and Blue Shield for your health coverage. We re here to protect you from the high
More informationThe Health Care Law and
The Health Care Law and Hello, my name is XXX. And I m glad to be with you today to talk about the health care law, the Affordable Care Act and what it means for you, your family, and your community. 1
More informationFact Sheet: The Affordable Care Act s New Patient s Bill of Rights
http://www.healthreform.gov/newsroom/new_patients_bill_of_rights.html Fact Sheet: The Affordable Care Act s New Patient s Bill of Rights June 22, 2010 A major goal of the Affordable Care Act the health
More informationInsurance Options for Cancer Survivors. Bobbi Christensen-Meins Program Director Cancer Lifeline
Insurance Options for Cancer Survivors Bobbi Christensen-Meins Program Director Cancer Lifeline You ve gone from this to this And sometime along the way, had cancer AND either you or your parents are panicked
More informationThe Affordable Care Act: A Different Future for Florida Health Consumers
The Affordable Care Act: A Different Future for Florida Health Consumers Overview Why Florida needed help Benefits of the ACA 2014: Coverage for the uninsured Changes to non-profit hospital charity care
More informationThe Medicaid Expansion Act (ACA) - Questions to Ask
A statewide, grassroots campaign to improve the health and wellbeing of Texans ACA Boot Camp 2013 Legislative Session Cheasty Anderson, CPPP anderson@cppp.org Texas Well and Healthy Collaborative campaign
More informationHCR 101: Your Guide to Understanding Healthcare Reform
HCR 101: Your Guide to Understanding Healthcare Reform Are You Ready for Healthcare Reform? By now, you ve probably been hearing a lot about the Affordable Care Act (also known as healthcare reform or
More informationConsumer Guide to. Health Insurance. Oregon Insurance Division
Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.
More informationHospitals and the Affordable Care Act (ACA)
Hospitals and the Affordable Care Act (ACA) General Housekeeping If you experience any technical difficulties during the webinar, please contact GoToMeeting.com Corporate Account Customer Support at: 1-888-259-8414
More informationThe Affordable Health Care Act
The Affordable Health Care Act What you need to know A booklet provided to you by the Information Department, Stow-Munroe Falls Public Library Important Phone Numbers Who can help me fill out my application?
More informationThe Health Care Law and
The Health Care Law and The Problem Insurance companies were not held accountable and could turn away some of the 129 million Americans with pre-existing conditions. Premiums had more than doubled over
More informationHealth plans for individuals and families
2015 Health Plan Information Health plans for individuals and families + Choosing the right plan for you + Subsidy eligibility information + Plan comparison charts + Terms and definitions + How to enroll
More informationP E O P L E W I T H D I S A B I L I T I E S F O R H E A LT H I N S U R A N C E R E F O R M. Stability and Security For All Americans
P E O P L E W I T H D I S A B I L I T I E S F O R H E A LT H I N S U R A N C E R E F O R M Stability and Security For All Americans Health Insurance Reform Action Guide Summer 2009 P E O P L E W I T H
More informationMarch 2014. 110 Stockton Street Charleston, WV 25387 (304) 558-0416 www.ddc.wv.gov
March 2014 110 Stockton Street Charleston, WV 25387 (304) 558-0416 www.ddc.wv.gov The Affordable Care Act and People with Developmental Disabilities The Patient Protection and Affordable Care Act (ACA)
More informationMassachusetts Health Connector logo. What Does National Health Care Reform Mean for You?
Massachusetts Health Connector logo What Does National Health Care Reform Mean for You? 1 National health care reform offers more opportunities for individuals, families, and small businesses to save on
More informationUpdated June 14 th, 2013.
Updated June 14 th, 2013. 1 Starting October 1, small businesses will have access to an exciting, new and streamlined way to offer health insurance to their employees for 2014 and future years. It s called
More informationHealth Insurance Marketplace Frequently Asked Questions
Health Insurance Marketplace Frequently Asked Questions Q & A SPECIFIC TO THE HEALTH INSURANCE MARKETPLACE & ASSISTANCE Q1: Why is health insurance important? A: No one plans to get sick or hurt, but at
More informationChoosing A Medigap Policy
Choosing A Medigap Policy 2002 Guide To Health Insurance For People With Medicare For People in the Original Medicare Plan This Guide has easy steps to help you buy Medicare Supplement Insurance. Developed
More informationHealth Care Reform Overview
Health Care Reform Overview By Marcia S. Wagner The Wagner Law Group 99 Summer Street, 13th Floor Boston, MA 02110 www.erisa-lawyers.com Introduction President Obama signed the Patient Protection and Affordable
More informationA Consumer s Guide to the Affordable Care Act
A Consumer s Guide to the Affordable Care Act The Affordable Care Act was designed to help make health care affordable for everyone. This guide will help you understand how the ACA affects individuals
More informationThe Affordable Care Act and the Health Insurance Marketplace
The Affordable Care Act and the Health Insurance Marketplace Are You Ready? The Affordable Care Act is here! In March 2010, President Obama signed into law the Affordable Care Act (ACA), putting comprehensive
More informationQ. My company already offers employee health coverage, how does the law impact me?
Frequently Asked Questions Q. Will my business be required to provide employee health insurance under the health care law? A. The law does not mandate employers provide employees health care coverage.
More informationHealth Insurance Basics:
Health Insurance Basics: Key Words and Phrases You Need to Know Shopping for insurance can be confusing, but the Affordable Care Act (ACA) makes it easier to understand. This simple guide will help you
More informationMedigap Insurance 54110-0306
Medigap Insurance Overview A summary of the insurance policies to supplement and fill gaps in Medicare coverage. How to be a smart shopper for Medigap insurance Medigap policies Medigap and Medicare prescription
More informationIf I have a psychiatric disability. Will Health Reform Help Me?
If I have a psychiatric disability Will Health Reform Help Me? For consumers of mental health services, a review of the bills passed by Congress in 2009 This paper was written by Chris Koyanagi, policy
More informationSimple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future.
Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future. If you have any questions, please contact: Health Reform: A Guide
More informationIowa Health and Wellness Plan Outreach Toolkit for IowaCare Providers. November 2013
Iowa Health and Wellness Plan Outreach Toolkit for IowaCare Providers November 2013 Dear IowaCare providers, The Iowa Department of Human Services is eager to support outreach efforts to publicize the
More informationHealth Insurance Basics:
Health Insurance Basics: Key Words and Phrases You Need to Know Shopping for insurance can be confusing, but the new health care law makes it easier to understand. This simple guide will help you make
More informationYour Health Insurance: Questions and Answers
Your Health Insurance: Questions and Answers This simple guide will help you understand how to use and keep your health insurance Meet four people with questions about their health insurance: George is
More informationWhat Valley Residents Need to Know - about - Health Care Reform
What Valley Residents Need to Know - about - Health Care Reform Beginning October 1, 2013, Valley residents will have the opportunity to sign up for quality, affordable health care. Representative Tony
More informationThis glossary provides simple and straightforward definitions of key terms that are part of the health reform law.
This glossary provides simple and straightforward definitions of key terms that are part of the health reform law. A Affordable Care Act Also known as the ACA. A law that creates new options for people
More informationHow Health Reform Will Help Children with Mental Health Needs
How Health Reform Will Help Children with Mental Health Needs The new health care reform law, called the Affordable Care Act (or ACA), will give children who have mental health needs better access to the
More informationHealth Care Reform Update
Small Businesses No Financial Requirements for Small Businesses: The ACA imposes no financial requirements for small businesses to contribute to their employees health insurance. However, beginning in
More informationPaying for Health Care in Retirement
Paying for Health Care in Retirement One of the complications in retirement planning is the need to make predictions what will our future living expenses be, and what about inflation rates? A big mistake
More informationEnsuring Your Pet s Health. A Guide for Pet Owners from the American Animal Hospital Association
Ensuring Your Pet s Health A Guide for Pet Owners from the American Animal Hospital Association 1 Dear Fellow Pet Owner, Opening your home to a pet is one of the most rewarding experiences you will ever
More informationHow To Compare Health Insurance Plans
The three most important questions you need to ask Health care can be very expensive. Having a baby costs about $30,000, and so does the average three-day hospital stay. Health insurance is a way to reduce
More informationWhy the Affordable Care Act Matters for Women: Health Insurance 101
Why the Affordable Care Act Matters for Women: Health Insurance 101 APRIL 2014 Women are the health care decision makers in our country they make approximately 80 percent of the health care decisions in
More informationAffordable Care Act HEALTHCARE.GOV. Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013
HEALTHCARE.GOV Affordable Care Act Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013 Joanne Corte Grossi, MIPP Regional Director U.S. Department of Health
More informationParent to Parent of NYS Family to Family Health Care Information and Education Center
Parent to Parent of NYS Family to Family Health Care Information and Education Center September 2005 With funding from Parent to Parent of New York State s Real Choice Systems Change Grant, this publication
More informationIowa Insurance Division Consumer Assistance Program
Iowa Insurance Division Consumer Assistance Program Overview of Training Grandfathered Plans: the starting point for ACA issues The ACA s Immediate Impact: 2010 ACA Changes The ACA s Current Impact: 2011
More informationA CONSUMER'S GUIDE TO CANCER INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE
A CONSUMER'S GUIDE TO from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE IMPORTANT INFORMATION WHAT IS? Cancer insurance provides benefits only if you are diagnosed with cancer, as defined
More informationThe Small Business Guide to Health Care Law
The Small Business Guide to Health Care Law How new changes in health care law will affect you and your employees Table of Contents Introduction 3 Part I: A General Overview of Health Care Law 4 The Affects
More informationHealth plans for individuals and families
2015 Health Plan Information Health plans for individuals and families + Choosing the right plan for you + Subsidy eligibility information + Plan comparison charts + Terms and definitions + How to enroll
More information*************************************************************************** OPEN ENROLLMENT
Find answers to commonly asked questions about the Affordable Care Act (ACA), the state and federal marketplaces, Medicaid, Medicare and the Ryan White HIV/AIDS Program below. We have made every effort
More informationConsumer Health Coalition
Consumer Health Coalition An overview of the Affordable Care Act and how to get health insurance through the marketplace Presented by Leslie Bachurski 412-456-1877 x200 lbachurski@consumerhealthcoalition.org
More informationThe Health Care Law and
The Health Care Law and The Problem Small businesses paid an average of 18 percent more than big businesses for the same coverage. Insurance companies could take advantage of you and discriminate against
More informationAffordable Care Act (ACA) Health Insurance Exchanges and Medicaid Expansion
Affordable Care Act (ACA) Health Insurance Exchanges and Medicaid Expansion Table of Contents Expanded Coverage... 2 Health Insurance Exchanges... 3 Medicaid Expansion... 8 Novartis Pharmaceuticals Corporation
More informationAmbulatory patient services (outpatient care you get without being admitted to a hospital)
What is the Affordable Health Care Act (ObamaCare)? Whether you need health coverage or have it already, the health care law offers new rights and protections that make coverage fairer and easier to understand.
More informationHealth Insurance and Financial Assistance for the Cancer Patient
Health Insurance and Financial Assistance for the Cancer Patient Covering the costs of cancer treatment When you re told you have cancer, how to pay for your care is not usually the first thing that comes
More informationUnderstanding the Affordable Care Act Game Instructions
Understanding the Affordable Care Act Game Instructions Overview Health care is in a state of rapid change. Both at the state and national level, legislation is changing the way Coloradans access and pay
More informationThe Young Person s Guide to Health Insurance
The Young Person s Guide to Health Insurance For Graduating Seniors A message from the WHITE HOUSE Dear Friends: Graduation is a time for you and your family to celebrate your accomplishments, and to think
More informationWhat Healthcare Providers Need to Know about the Affordable Care Act (ACA)
What Healthcare Providers Need to Know about the Affordable Care Act (ACA) General Housekeeping If you experience any technical difficulties during the webinar, please contact GoToMeeting.com Corporate
More informationFederal Health Reform FAQs
Federal Health Reform FAQs Individuals 1. What is an exchange? An exchange, as created under the Affordable Care Act (ACA), is a place where consumers can purchase subsidized health insurance coverage.
More informationHow Medicare Works. Helping you make the most of Medicare. MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015
How Medicare Works Helping you make the most of Medicare 2016 MedicareBlue SM Rx (PDP) S5743_101415_B02_RE Internal Approval 11/12/2015 About Medicare Whether you re new to Medicare or want a refresher,
More informationThe Small Business Guide to Health Care Law. How new changes in health care law will affect you and your employees 609-662-2400 1
The Small Business Guide to Health Care Law How new changes in health care law will affect you and your employees 609-662-2400 1 2013 Independence Blue Cross Table of Contents Introduction 3 Part I: A
More informationGUIDE. Your. To Public Health Insurance Marketplaces. Find Coverage for You and Your Family
GUIDE Your To Public Health Insurance Marketplaces Find Coverage for You and Your Family We are Towers Watson s OneExchange We help you shop for a health plan. We hire and train licensed benefit advisors
More informationKey Facts About the Small Business Health Options Program (SHOP) Marketplace
Key Facts About the Small Business Health Options Program (SHOP) Marketplace The Small Business Health Options Program (SHOP) Marketplace is now open and ready to help you get health coverage for your
More informationAffordable Access to Health Care: Top Priorities of Heart Disease and Stroke Patients Results from an American Heart Association Patient Survey
Affordable Access to Health Care: Top Priorities of Heart Disease and Stroke Patients Results from an American Heart Association Patient Survey Affordable Access to Health Care: Top Priorities of Heart
More informationState of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE
State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:
More informationYou can usually only shop for insurance during a specific timeframe that occurs once a year called open enrollment.
Getting Started So many of us forget about health insurance until we need to use it. Even when we have insurance, sometimes we forget about the routine and preventive services that help us to get and stay
More informationHealth Insurance A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. HL-14-001 Rev. 08/2015
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance wahealthplanfinder.org 1-855-WAFINDER 1-855-923-4633 HL-14-001 Rev. 08/2015 THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH
More informationHEALTH CARE R E F O R M
HEALTH CARE What does the Affordable Care Act mean to you? HEALTH CARE On March 23, 2010, President Obama signed the Affordable Care Act (ACA) into law. This marked the beginning of health care reform.
More informationChildren Diagnosed With Cancer: Financial and Insurance Issues
Children Diagnosed With Cancer: Financial and Insurance Issues When a child or teen is diagnosed with cancer, families and parents will face and need to cope with many problems. Here, we offer ideas for
More informationStable and Secure Health Care for America: The Benefits of Health Insurance Reform: Table of Contents
Stable and Secure Health Care for America: The Benefits of Health Insurance Reform: Table of Contents HEALTH INSURANCE CONSUMER PROTECTIONS... 1 STABLE AND SECURE HEALTH CARE FOR AMERICA... 2 HEALTH INSURANCE
More informationChoosing the Best Plan for You: A Tool for Purchasing Coverage in the Health Insurance Exchange
Choosing the Best Plan for You: A Tool for Purchasing Coverage in the Health Insurance Exchange The Affordable Care Act (ACA) makes health insurance available to nearly all Americans and the law requires
More informationA GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance
A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to
More informationCritical Illness Insurance
Choosing to plan for sudden illness Can your finances survive a serious illness? Maybe it s happened to someone you know. A sudden illness such as a heart attack or stroke with devastating physical and
More informationDiabetes Coverage in the Health Insurance Exchanges & Essential Health Benefits
Diabetes Coverage in the Health Insurance Exchanges & Essential Health Benefits Dr. LaShawn A. McIver, MD, MPH National Director, Public Policy & Strategic Alliances American Diabetes Association O Presentation
More informationyour guide to health INSURANCE reform
CURRENT LOGO your guide to health INSURANCE reform for This guide explains how Health Reform will affect Individual and Family health plans, helps you understand different types of health insurance and
More informationThe law creates some very important changes More access to health care and lower costs: Health Insurance will be better: July-September 2013
A Publication of the National Center for Farmworker Health July-September 2013 Have you been hearing a lot about the health care reform law? This law is called the Affordable Care Act. It is possible that
More informationHealth Insurance Reform at a Glance Implementation Timeline
Health Insurance Reform at a Glance Implementation Timeline 2010 Access to Insurance for Uninsured Americans with a Pre-Existing Condition. Provides uninsured Americans with pre-existing conditions access
More informationThe Patient Protection and Affordable Care Act. Implementation Timeline
The Patient Protection and Affordable Care Act Implementation Timeline 2009 Credit to Encourage Investment in New Therapies: A two year temporary credit subject to an overall cap of $1 billion to encourage
More informationto Health Care Reform
The Employer s Guide to Health Care Reform What you need to know now to: Consider your choices Decide what s best for you Follow the rules 2013-2014 Health care reform is the law of the land. Some don
More informationHealth Care Law & You
Health Care Law & You How to get the most out of your health care dollars 2014 Independence Blue Cross Independence Blue Cross is an independent licensee of the Blue Cross and Blue Shield Association.
More informationStrengthening Community Health Centers. Provides funds to build new and expand existing community health centers. Effective Fiscal Year 2011.
Implementation Timeline Reflecting the Affordable Care Act 2010 Access to Insurance for Uninsured Americans with a Pre-Existing Condition. Provides uninsured Americans with pre-existing conditions access
More informationAffordable Care Act: Key Provisions for People with MS
Affordable Care Act: Key Provisions for People with MS October 2013 Why reform healthcare? By 2008, 15% of the U.S. population, or approximately 47 million Americans, lacked health insurance Documented
More information